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How it Works

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Your agent will show you the best options and help you choose the best policy for you.

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You can finalize your policy right from your phone. We'll even help you cancel your old policy.

What our customers are saying

5.0 Google Reviews

Ryan Robinson

2 months ago

Brian has helped me, my family, and girlfriend with auto and home policies and has been fantastic every time! Not only gets the best rate, but takes the time to educate you when you have a question. It is always a pleasure to do business with him

Kimbra Hess

2 months ago

Brian Risk/ Partners Insurance handles my policies quickly and efficiently. Any time I have questions or need policies updated, Brian makes the process seemless and easy. Furthermore, Brian handles every inquiry immediately. I’m very satisfied as a customer.

funnyman KAOZ

4 months ago

The service agent gave me top-notch customer service. He knew what he was talking about and made the whole experience an enjoyable one. You're very lucky to have him on your team. He was very knowledgeable and made things simple to understand. I will always go to him in the...

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Auto Insurance Coverage

Liability

Covers damage you cause to someone else including bodily injury and property damage.

Comprehensive

Covers non-collision damages such as theft, vandalism and natural disasters.

Collision

Coverage that pays for damages to your own car when you're in an at-fault accident.

More Options

More options for rental car, roadside assistance, GAP coverage, medical payments and more.

See all auto insurance coverage options.

Auto Insurance Discounts

Applying all the discounts you qualify for can save you big. We're talking 40 - 50%. Some of the largest discounts are for being accident and ticket free, bundling your home and multi-vehicle.

We've compiled a detailed list of 24 auto insurance discounts to arm you with the info you need when shopping for car insurance.

Auto insurance by state

Missouri
Illinois
Kansas

We're adding more states as we grow! If your state isn't listed let us know. It may be the next one we expand into.

Frequently Asked Questions

How do I get the lowest car insurance premium?

Apply as many discounts as possible. Bundling homeowners insurance can get you up to a 25% discount.

Participate in telematics. This allows your insurance company to track how well you drive by looking at excessive acceleration, hard braking and time of day driving.

Shop around with different companies. Rates can vary widely.

How are car insurance premiums calculated?

Your premium is based on a lot of factors. The most common ones are:

What is a car insurance deductible?

The deductible is the amount of money you have to pay before the insurance company pays your claim. A deductible only applies if you have a Comprehensive or Collision claim.

What is full coverage car insurance?

People usually use the phrase "full coverage" to refer to Comprehensive and Collision coverage.

Comprehensive coverage applies to non-collision damages such as theft, vandalism and natural disasters.

Collision coverage applies to damages to your own car when you're in an at-fault accident with another vehicle or object.

What is liability only car insurance?

Liability only car insurance only covers the damage to someone else if you're in an at-fault accident. It will not cover damages to your own car.